地道美语听力练习:医保方案

Mikhail:What's all this?
米哈伊尔：这都是些什么？

Carol:It's open enrollment at my company and I'm thinking of switching health plans. I have an HMO right now and I'm thinking of switching to a PPO. That way, I can see doctors outside of my current network and still be covered.
卡罗尔：这是我公司的保险开放登记，我在考虑更换医保方案。目前我们的医保采用的是HMO方案，我考虑更换成PPO方案。这样，我就能让目前参保范围以外的医生看病。

Mikhail:I'm so glad I don't have to worry about things like that. I'm still a dependent on my mother's plan, at least for another year.
米哈伊尔：我很高兴我不用去担心这类事情。我现在还得依赖我母亲的保险，至少还要依赖一年。

Carol:Lucky you. Look at all of this literature! How am I supposed to make heads or tails of this to compare one plan with another?
卡罗尔：你真幸运。看看这些文字！我怎么才能弄清楚这些条款，然后跟其他的进行比较呢？

Mikhail:Wow, yeah, that's really confusing.
米哈伊尔：哇，是耶，这真让人困惑。

Carol:Tell me about it. I want to know if these new plans have coverage for my pre-existing conditions and prescription drugs, and if not, what the out-of-pocket costs would be.
卡罗尔：告诉我吧。我想知道新的保险范围是否包含之前已有的条款和处方药。如果不包括的话，还需要支付多少现款。

Mikhail:Don't look at me.
米哈伊尔：别看我。

Carol:And how am I supposed to figure out what my copay and deductible would be?
卡罗尔：我怎么才能弄清楚共付医疗费是多少，免赔额又是多少？

Mikhail:You're on your own on this one. It's all Greek to me!
米哈伊尔：这次你得指望你自己。我根本就看不懂！